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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,289 | $57,140-15.5% | $85,240-43.3% | $80,959-40.4% |
| Participation rate | 72.4% | 56.4%+16.0pp | 67.5%+4.9pp | 67.7%+4.7pp |
| Annual return | 13.04% | 21.71%-8.7pp | 66.75%-53.7pp | 35.67%-22.6pp |
| Employer contribution / active EE | $2,615 | $1,802+45.1% | $2,735-4.4% | $2,757-5.2% |
| Participant deferral / active EE | $5,741 | $3,115+84.3% | $4,527+26.8% | $4,300+33.5% |
| Admin fee / account holder | $6,958 | $4,992+39.4% | $6,165+12.9% | $6,925+0.5% |